Do people choose a nursing home due to financial means and/or is it really based on care needed? I have been stressing about the 5 year look back but am thinking it may not be an issue if she can just go into an assisted memory care facility....just curious of the difference cuz the cost seems like a huge difference.
My mom has early dementia. I am hoping this is way down the road but trying to prepare. What would cause her to go into a nursing home versus just staying in a memory care assisted living? Do people go with nursing home care first cuz of financial means? I am trying to figure out the difference.
Thanks
As others have noted, what constitutes each type of care facility varies with the particular facility and the State. At my father's AL, one monthly fee covered pretty much everything - which was the usual practice in the State where he resided.
A person might qualify for memory care right now, but as their health deteriorates, they will need to move to a nursing home.
5-year look-back is a concern for Medicaid, since the income and asset criteria is quite strict. Many people tried to qualify for Medicaid by giving away their substantial assets. Medicaid felt this was unfair, since the person, clearly, had enough assets to pay for their OWN care - so the State should not need to pay for it. (Remember - Medicaid is always the "payer of last resort.")
But if somebody is private pay, then it does not matter how many assets they have. As long as the resident is paying the bills, they could care less from where the money arrives.
We went to a place that offered independent living, assisted living and memory care. These places have nursing staff that will evaluate your parent to determine what kind of assistance they need. Assisted living means you contract to pay by the hour for additional assistance with any of the activities of daily living (ADLs) in addition to your lease. As your needs increase and can't be scheduled, you may have to transition to memory care to get 24/7 care. You may have to transition because of falls or incontinence. You may have to transition because of wandering. Memory care residents are locked into a limited area. Their meals are offered in that same limited area. They may be eligible for meals in the main dining room and participation in building activities with accompaniment but don't count on there being an aid willing and able to take them. Family and friends can come and go as they wish in memory care. They can take the resident out on excursions but need to alert staff. Memory care handles all dispension of medication and healthcare decisions.
Long term care (aka skilled nursing) - 24/7 assistance - is offered in nursing homes. It often involves specialized care. Memory care becomes long-term care.
There are differences between ALL facilities, whether they are IL, AL, MC, NH, care homes or continuing care facilities. Medicaid IN GENERAL doesn't usually cover AL or MC, but there are places where it can be used. It depends on the state rules.
IL is for those who are still independent, but don't want the hassle of home ownership and if the facility is multi-level, there is potential for transition to AL and even MC. If one anticipates potential need to transition, this can be a good choice. My mother's facility has all 3 levels, but she was in need of MC at the time we needed to move her for her own safety.
AL is also for those who are more or less independent, but may need help with some ADLs.
Care homes were described by others. I have no experience with them, but they do sound nice, homey and sometimes less expensive.
MC is generally a locked down environment for those with cognitive issues, esp those who might wander. The level of care each resident needs varies. Mom was fairly independent during her first 3 years, but as dementia progressed, she was requiring a bit more help. When she refused to stand/walk, she was put in a wheelchair, with extra help for bathing, transitioning, etc. She was still self-feeding. She recently had a stroke, which has impacted her abilities (right-handed and it affected the right side.) She's having some difficulty now feeding herself and eating some foods or taking some medications. At some point I expect we'll see increase in her monthly fee, as the current fee only covers 1 hr of personal care, but should still be less expensive than a NH, with no need to move her! Others require little assistance, but some have more demanding needs for help. All levels not needing specialized nursing can live there.
NHs, as noted, are generally for those who need specialized nursing care and are very expensive. If someone meets the requirements for NH and is low income (again, varies widely by state), they could qualify to move in, if there is room and have Medicaid cover what their SS and/or other income can't cover.
Continuing care sounds great, very similar to what mom's facility has (some have more home-like "cottages" rather than apartment like rooms in one building), but the fee just to set foot in the place is a huge barrier for many. The idea is to have transition available on site if/when needed.
I would say choosing a NH is much more about the care needed. Unless one qualifies for Medicaid or has a great LTC plan, it wouldn't be about savings. They are more expensive, since they have more skilled care providers needed. Availability, need and ability to pay are some issues that need to be taken into account. Thankfully mom had enough "savings" and the sale of her condo helped also, so there is enough to keep her in the nice place chosen for her. Some places are cheaper because of location, fee schedules, profit or non-profit, etc.
In order to decide what's best, you have to know what your LO will need for care and then check as many places as you can. Ask lots of questions, take notes. Comparing one to another isn't easy, because they vary so much in how they structure costs and what care they provide. It's best to start this process well before you might need it, just so you know what's out there and what's available.
Not exactly true. There can be MC units within a NH, but strictly comparing a NH to MC and calling them the same thing with a different name is very misleading.
NH generally requires a resident to need skilled nursing care and there are many more nurses than a MC unit would have. Some may have to transition from MC to NH as their condition gets worse, but not always.
My mother has been in a MC unit within an IL/AL/MC facility almost 4 years now. It is NOT NOT NOT a NH!!! There is one nurse and many aides. Nurse is required for oversight and due to medication management, but residents can vary between mostly self-reliant but needing a safe environment, to needing more extensive help.
The cost different is also a HUGE factor. Last time I checked, the local NH was about TWICE as much money/month. During recent discussion about mom's care, I was happy to find out she won't have to transition to NH, she can stay to the end. Likely cost will increase, but it eliminates the hassle of finding a place and moving her.
Placement is not 100% up to the family.
Nursing homes are significantly more expensive than assisted living residences. They require trained medical staff on site at all times and are able to do medical procedures. Insurance can cover the cost of living there, but the amount of coverage the person receives depends on the amount of health care needed. A doctor typically prescribes treatment and admittance to a nursing home. The care in the nursing home is typically oriented to the medical condition(s) your loved one has and not towards the dementia.
If your LO is generally healthy (not needing injections, wound care, etc.), then assisted living (AL) is your better bet. ALs residences are more homey and pleasant than a nursing home. Since your loved one has dementia, you will need to look at dedicated memory care (or dementia care) residences with 24-hour care. The staff at dedicated memory care (MC) residences are specifically trained in caring for people with memory loss and are able to recognize signs and symptoms of illnesses (people with memory loss are often unable to express their symptoms), are able to offer life enrichment that is appropriate for memory loss, recognize what new behaviors mean, know how to keep people with memory loss safe, etc. The facility should have locked doors to keep the residents in--yes, that is right, keep them in. Memory loss takes away a person's ability to recognize where they are and walking out the front door of their facility immediately places the person's life in danger. MC services can be in a large facility or an adult foster care home (typically 6 or less beds) and can have private and shared rooms.
You are smart to look into your options now and plan for the future. Two things I recommend you do now. Contact your local Alzheimer's Association, They are a wealth of information and resources, including videos, classes, books, referrals and training. 2. Contact an elder law attorney so your LO's financial and legal matters are taken care of while your LO has some remaining competency. Plan for your loved one's needs and plan for the primary caregiver's needs. Caregiving is a BIG job and can easily entirely consume the caregiver's life. The attorney will help you plan for Medicaid as your LO's financial resources could very well be used up. The Alzheimer's Association should be able to help you find an attorney.
Nursing Homes are often much more like memory care, with fewer nice amenities. The other choice that many sadly overlook is Board and Care. People generally are approximately 6 elders to two caregivers round the clock, their own room, less costly.
A lot to think about. Nothing to prevent you looking around in your area to see what is currently available. I would recommend that.
Next door on the lane is another same building with the same population. All have some level of dementia and many have deteriorating medical conditions such as Parkinson's, but the facility tries to keep the resident there as long as possible once they've settled in, offering various supports and allowing / recommending the family pay for a private caregiver at difficult times of day or night, depending on the situation.
When their medical conditions need more care, when their disruptive behaviors get worse, and / or when their mobility declines so they are usually in a chair and can't transfer, they move to the village up the hill, about 6 buildings. They still call it assisted living, but these folks are much worse off than my mother's village, and they are not allowed to sit in their rooms alone during the day--instead they are in group areas so they can be watched. Maybe they are still able to feed themselves somewhat?
The final step below that village is the actual nursing home. I'm not sure of the boundaries between the advanced assisted living and the nursing home, but I'm guessing the residents in the nursing home can't do anything for themselves at all, plus have medical conditions that need more sophisticated care and monitoring.
ALF is usually recommended for those who need help with activities of daily living (ADLs) But not skilled nursing. Memory Care is more like ALF but for more advanced dementia. Memory care is a locked environment. Regular ALF not.
‘Medicaid seldom covers ALF but does in some cases. It’s usually private pay. Medicare never pays for room and board except during a limited rehab.